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Hi, I have pulled all three credit reports. Chase is reporting a delinquent balance as past due 180 days. This is also listed as closed account, but the delinquency is only on my Experian report. The Eq and TU show balance of 0.00 on both, charged off as a bad debt. DOFD is 09/10. Is Chase reporting this correctly? Shouldn't it show $0.00 now also on EXP as the other two do? This is my only derogatory account and I hate seeing it like that. Please help.
Yes, it should report 0 if they sold the account. If it wasn't sold it can report a balance. You can either dispute withEX, which I don't advise, or ask Chase to correct the balance on EX.